Delivering Benefits Focused on You! Benefits Open Enrollment is

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1 Glatfelter Focus Work Delivering Benefits Focused on You! preserve the core l customers first l Glatfelter PEOPLE matter Benefits Open Enrollment is Friday, October 23 Thursday, November 5 Great news for 2010! Changing our medical administrator and network saves you and the Company money. Taking a health survey gets you $200 back on your premiums. Getting well in 2010 keeps money in your pocket.! Good health starts with primary care The relationship between you and your primary care doctor is extremely important. As your main point of contact, your doctor will have your total health history. Your doctor will also have sound advice on the specialists you should see, if ever needed. In the end, you benefit with coordinated and improved care. To show our support of primary care, we are renaming the Keystone HMO in Pennsylvania to the Primary Care Plan. The plan will also have some improvements and will continue to emphasize primary care. Open this brochure to learn more about the move to CIGNA HealthCare... You have until Midnight, November 5, to make changes to your benefits or to choose a flexible spending account (FSA) for If you are in a Glatfelter medical plan and make no changes, your coverage will continue in 2010 under CIGNA. To see all your current benefits coverage, go to the enrollment web site (see back cover for specifics).

2 What s new for 2010? We are pleased to announce the following changes and programs that fit our cultu 1. Saving you money with our move to CIGNA CIGNA HealthCare is one of the largest claims processors and medical networks in the U.S. With over 500,000 doctors and hospitals nationwide, their Open Access Plus network gives you more options in who you see and better discounts on the services you receive. Same medical plans new administrator! Although we are changing medical plan administrators, the medical plans themselves will remain the same. We will still offer the PPO plan, the Primary Care Plan in Pennsylvania (formerly the HMO) and the Glatfelter Family Medical Center Plan in Ohio. Your co-pay and co-insurance amounts will be the same for You may notice some slight improvements, such as the preventive co-pay change to the Primary Care Plan (see below). Things to know! If you re currently enrolled in: Capital BlueCross PPO Keystone HMO Plan (available to Spring Grove employees) Glatfelter Family Medical Center Plan (available to Chillicothe employees) Your plan in 2010 will be called: PPO Plan Primary Care Plan Glatfelter Family Medical Center Plan You don t have to do anything if you don t want to make changes. The change to the new plans will occur automatically. You ll receive new medical ID cards from CIGNA in December. Today, you use one of these networks: Capital BlueCross PPO Keystone Health Plan Central Medical Mutual of Ohio On January 1, you ll have access to over 500,000 doctors, hospitals and health care facilities through: CIGNA Open Access Plus (Plus you ll never need a referral!) Most likely your primary doctor is in the network. To check: Ask your doctor s office Check online at Call 800-CIGNA24 ( ) The Keystone HMO in Pennsylvania Is the only plan with a $10 office visit co-pay for preventive care On January 1, all plans: Will have no office visit co-pays for preventive care No matter which plan you choose for 2010, it will cover most of your preventive care at 100%. If you have questions, today you call: Capital BlueCross LBA Health Plans, Inc. On January 1, you ll call: 800-CIGNA24 ( ) You ll always get someone! CIGNA Customer Service is open 24 hours a day, seven days a week.

3 re, values and focus and benefit you! Putting $200 back in your paycheck if you take a health survey Take the Know Your Health survey by November 5 and Glatfelter will give you $200 back on your medical premiums through your 2010 payroll. The $200 cash back is available to employees electing Glatfelter medical coverage for You and your spouse, if both enrolling in our plans, need to take the survey to get the cash back. After you take the survey, you ll automatically be signed up for the cash back in A confirmation will be mailed to you in December. Take the survey online by November 5, 2009! Go to You should have received the steps to take the survey in the mail. Paying for wellness programs to get you healthy in 2010 Each year, unhealthy behaviors impact us all with increased medical claims, lost work days and decreased quality of life. Adopting behaviors that help us actively manage our health is how we make a difference. Glatfelter is committed to helping you get started. In 2010, Glatfelter will sponsor the following wellness programs: Reimbursements for gym memberships Discounted tobacco cessation programs Free Weight Watchers classes if you attend 13 of the 17 classes already proven successful for many Glatfelter PEOPLE! Free onsite walking programs get fit! If not, contact one of the following Health & Wellness Coaches for assistance: Roberta Marye , ext Marissa Childers Yvonne Brown get $200! Watch for more information More details about the Glatfelter wellness programs will be posted at your location or mailed to your home. We encourage you and your family to get involved. This document is intended to be an overview. It is not meant to be all-inclusive. If there are any conflicts between the information presented in this document and the legal plan documents, the legal plan documents will govern. The company reserves the right to change or terminate the plans at our discretion. Nothing contained in this material constitutes, or is intended to create, a promise of continued employment.

4 Have questions? Attend your location s benefits open enrollment meeting. Human Resources representatives will be available to assist you. Location Date Time Group Chillicothe, OH Large Auditorium Monday, October 26 7:00 a.m. 11:00 a.m. 3:00 p.m. Chilpaco, OH Shawnee Room Tuesday, October 27 7:00 a.m. 11:00 a.m. York, PA Board Room Wednesday, October 28 Monday, November 2 2:00 p.m. 3:00 p.m. Spring Grove, PA Large Assembly Room Thursday, October 29 Friday, October 30 7:15 a.m. 10:00 a.m. 3:00 p.m. 7:15 a.m. 10:00 a.m. Sales Conference Calls (for sales employees unable to attend meetings) Monday, October 26 Wednesday, October 28 9:00 a.m. 11:00 a.m. Make Note: New legislation affecting our benefits Call-in number: Code: Mental Health Parity: Beginning January 1, there will no longer be separate co-pays or limits on the number of visits for mental health and substance abuse care. Our health plans will cover these services at the same co-pays and co-insurance amounts as other medical services. The enclosed Benefit Summary has specifics of your updated coverage. Michelle s Law: A college student with a serious illness or injury, who must take a medical leave of absence from school or reduce to part-time status, may be able to continue coverage under the Glatfelter health plans for up to a maximum of 12 months. You can find more specifics of this change in your 2010 Health and Welfare Summary Plan Description (SPD) which will be available first quarter of next year on

5 A note about premiums The cost of health care in the U.S. continues to rise year after year. While Glatfelter has made great efforts to keep our health and welfare costs below market trends, our medical premiums will increase in Keep in mind that Glatfelter spends more than $28 million dollars each year on health care for our employees and families. This is almost $12,000 per employee. Our move to CIGNA HealthCare is our most recent effort to help manage premium increases. CIGNA works with its network doctors, hospitals and other health care facilities to negotiate deep discounts on the services you receive. In the end, that will mean lower costs to you, your family and Glatfelter. After you enroll Watch your home mail in December for: your new CIGNA ID card your health care FSA debit card, if new to the plan or you haven t received a new FSA card since January 2007 your confirmation statement verifying your 2010 benefits Can I make changes after November 5? Once open enrollment ends, your benefits will be set for Your next opportunity to make changes will be for However, if during the year, you have a change in your family status, such as marriage, divorce, birth, adoption or a change in your spouse s job, you may make some benefit changes within 30 days after the event. If this occurs, contact the Glatfelter Benefits Service Center at PAPER ( ).

6 Steps to enroll... Remember! If you do not wish to make any benefit changes or enroll in a flexible spending account (FSA) for January 1, 2010, no action is required on your part. Before you start Make sure you have the following information handy: Your Social Security Number (SSN) The names, birth dates, and SSNs for any dependents you are enrolling Full-time student information (school name, enrollment dates, including expected graduation date, and number of credits) for any dependents over age 19 The names and SSNs for your beneficiaries! Enroll online Web site opens Friday, October 23 and closes Thursday, November 5 at Midnight EST Go to Click on Click Here for Employee Open Enrollment. Enter your ID Number and Password: Your ID Number is your Social Security Number, no dashes (e.g., ). Your Password is your date of birth, entered mmddyyyy (e.g., October 21, 1968 would be ). You ll be prompted to change your password. Select Submit. (You ll need your current password, which is your date of birth.) To have your primary care physician (PCP) listed on your ID card, enter your doctor s information on the enrollment site. You ll need your doctor s name, address and CIGNA PCP ID number, which you can get by contacting CIGNA. Need help enrolling? Contact the Glatfelter Benefits Service Center. Call: PAPER ( ), Monday through Friday, 8 a.m. 5:30 p.m. ET glatfelter@crawfordadvisors.com You ll see a Confirmation Page listing your current benefits and anticipated payroll deductions. Review your dependent and beneficiary information for accuracy. To make changes, click on Click Here to Edit Dependent Information or Click Here to Edit Beneficiary Information. Enter your changes. Click Submit & Continue. Review your benefit elections change one of two ways: Change specific benefits or enroll in an FSA: Select the appropriate Benefit Type on the left side of the screen. Enter your changes. Click Submit & Continue. Verify the change was made correctly. Click Submit & Continue again to return to the Confirmation Page. Change all benefits: Click on Click Here to Edit All Benefit Information. This link will take you through each plan before returning to the Confirmation Page. Select Complete at the bottom of the Confirmation Page to confirm your benefits. Your elections will not be processed unless you finish this step. Print the Confirmation Sheet for your records. A confirmation statement will be mailed to your home in December confirming your 2010 benefit elections.